Debt Management - Tips & Support | NatWest

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When you call us we'll talk through your income (including any benefits you receive) and expenditure (including all of your bills and outgoings), then the options available to you.

It would be useful if you have the following to hand before you call us:

Your monthly income (including any benefits, overtime, bonuses)

Your monthly household spending

The amount you owe

The number of organisations you owe money to

If you don't bank with NatWest, call your own provider as soon as you can.

When to ask for help

We understand that sometimes people struggle financially. Bills pile up and it’s difficult to make ends meet. It feels scary and you’re tempted to ignore the situation, hoping things will improve. If you can identify with any of these warning signs don’t delay – it’s time to ask for help:

You're worried about money and paying back what you owe - your debts feel like a huge burden

You're dealing with difficult circumstances which are making it harder for you to manage your money

You can't manage your day to day spending without relying on your credit card

Several of your cards are at the maximum credit limit

You're being contacted about unpaid bills and missed payments

Get in touch

We’re here to help. Call us and you’ll speak with our dedicated teams who are trained to help and have lots of experience with financial difficulty. We’ll take time to understand your individual situation and discuss the options available to help you.

When you call, please have a few details to hand to help us get an accurate picture of your situation:

Contact a non-profit debt-counselling organisation for support and advice, these include Money Advice Service and Citizens Advice. You can also get advice tailored to your situation from the StepChange Debt Charity using their free online tool. You don’t have to enter your name and it only takes about 20 minutes. These organisations offer free, confidential help so there's no need to pay a debt management company to advise you.

Things to think about

It’s worth getting together some information before you call anyone to talk about your situation. Most organisations will ask about your income, your household expenses, how much you owe and who you owe it to. If you decide to get further support from a debt charity or organisation, you might need to also provide: